Expert perspectives on credit assessment, debt counselling, and the South African financial landscape.
Understand reckless lending provisions under South Africa's National Credit Act. Learn what credit providers must do to avoid reckless credit and meet NCA obligations.
Understand prescribed debt in South Africa: the 3-year rule, Prescription Act, NCA Section 126B, bureau reporting, and what it means for credit professionals.
Understand adverse listings on SA credit reports: judgments, defaults, admin orders, sequestration. For credit professionals assessing risk and affordability.
NCA affordability assessment requirements for SA credit professionals. Sections 81 & 82, income, obligations, compliance risks, and how structured bureau data supports faster, auditable assessments.
Credit application verification in South Africa: income, employment, expenses, and bureau reconciliation. NCA-compliant procedures to reduce reckless lending.
Understand credit scoring in South Africa: how scores work across Experian, TransUnion, Datanamix and XDS. Ranges, factors and why credit professionals cannot rely on a single bureau.
Calculate and use debt-to-income ratio for credit assessments in South Africa. DTI, NCA affordability, and consistent bureau-based analysis.
Minimum expense norms for credit assessments in South Africa. How to set, apply, and document living expense benchmarks for NCA-compliant affordability.
How to assess over-indebtedness under the NCA for South African credit professionals. Legal definition (s79), data needs, and practical assessment for lenders and debt counsellors.